you can use sed
to insert parameter :
#!/bin/bash
dbase_connect="psql -h server -U username dbase"
file="/tmp/$fname.csv"
sql="/home/user/sql_files/query.sql"
tmp="home/user/sql_files/query.sql.tmp"
s="s/\$1/$1/g"
cat $sql | sed $s > $tmp
sudo bash -c "$dbase_connect -c -q -A -F , -f $tmp -o $file"
rm -f $tmp